How does accruing pension work?

Pension. It may not be anyone’s favorite topic. After all, who wants to think about their old age? Even if it’s not the most exciting subject, it’s very important. It determines what you’ll have left when the time comes to retire. Below, you can read what to expect at 365Werk.
Temporary worker (uitzendkracht)
Are you working with us as a temporary agency worker? There is a pension scheme that provides pension accrual for agency workers aged 18 and older. This scheme is administered by the Stichting Pensioenfonds voor Personeelsdiensten (StiPP).
Where StiPP previously had two schemes (the basic and plus variants), this has changed as of 2026. From January 1, there is one uniform pension scheme for all temporary agency workers. The total contribution is 23.4%, of which we, your employer, contribute 15.9%. You, as the agency worker, contribute the remaining 7.5%.
The StiPP pension scheme is a defined contribution plan. This means you build up your own pension capital. Want to know more about what this means? On this website, you can find everything you need to know.
Payroll worker (payrollkracht)
Are you working with us as a payroll employee? Then you are covered by the pension under the client's collective labor agreement or by an adequate pension scheme. Consult your client's collective labor agreement or view your employment contract. You can find your employment contract in the Flexapp.
If you have any question regarding your pensioen that have not been adequately answered in this text, don't hesitate to reach out!
Updated on: 21/04/2026
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